According to the Federal Highway Administration and the AAA, the cost of a single motor vehicle fatality exceeded $6 million in 2011 dollars and according to the National Highway Traffic Safety Administration, private auto insurers pay approximately 50% of all vehicle crash costs. Therefore, it is in the best interest of auto insurers to pay a portion of the costs to reduce the financial impact of crashes by entering into a public-private partnership (P3) with cities to fund urban traffic improvements in high risk locations. This will help reduce the number of each insurer’s claims and lower premiums for their customers. Each insurer’s contribution would be prorated based on the number of their customers in proximity to the improvement area and correlated with the number of accidents incurred by their insured drivers for that location. As shown in recent case study in Virginia Beach, red light safety cameras have proven to reduce accidents, while increasing the savings to the insurance industry as a whole. If insurance companies helped pay for the capital improvement costs for the installation and operation of red light safety cameras in more cities, it would continue to reduce their year over year payouts if the improvements were not made or delayed due to municipal budget constraints. This approach has never been tried before and could become our Nation’s first public-private partnership transportation infrastructure improvement financing model.